yes, but why is healthcare so expensive?
Because we overpay doctors, for the most part. We pay doctors 50% more than any other country.
Insurance billing has something to do with it, but "liability costs" isn't part of it; malpractice coverage is maybe 1% of health care costs. If even that.
I think forcing you to buy something from a private company borders on supporting a monopoly, something that will be based on profits, instead of patient care, driving up the cost, and driving down the quality.
The ACA regulates how much of insurance company revenues can be taken out as profit, so clearly this is wrong.
These are real and complex issues, AE, and you should consider taking a little more effort to do research beyond your usual standard of "I'll just make it up."